9: Christmas Clubs.
Joining a Christmas club or buying a few savings stamps will help you now – it will also get you into the habit for next year.

10: Read the small print.
If you borrow or enter into a buy-now-pay-later deal, be careful. Some lenders will penalise you for paying it back early or, if you do not pay it within the interest free period, you could be subject to hefty interest payments.

12: Friends and Family are priceless.
The best gift at Christmas is being together – and that costs nothing. Many families do Kris Kringle or Secret Santa gifts. Some families only give gifts to children. There are many ways of saving money without taking away the magic.